Long Term Care Funding We are all aware that people are now living longer. The main factors said to be affecting this are mortality, fertility, health provisions and lifestyles. Whilst most people wish to live a long and healthy life, unfortunately that is not always...
Introduction to tax rates We have summarised the key rates and allowances which are fundamental to our business and personal lives. We are sure that you will find them a useful point of reference and have set out below a few examples of how they can be used. ...
What do you need to know about inheritance tax? Inheritance tax is a tax on the estate of someone who has died, and with property prices continuing to rise along with the recent introduction of the residence nil rate band (RNRB), the number of people that will become...
New pensions rules - key stats According to HMRC figures released last month, over 230,000 people have used the new pension rules, introduced one year ago, to access over £4.3bn in pensions saving. Since the pension flexibility rules took effect from 6 April 2015:...
On the back of The Pensions Regulator fining Swindon Town Football Company £22,900 after it failed to put eligible workers into a pension scheme, this article is a worthwhile reminder of auto enrolment fines. What auto-enrolment fines could you receive? If your...
The new Lifetime ISA - details beyond the tax free headlines One of the more welcome announcements for individuals and "the next generation" from the recent 2016 Budget was the introduction of the new Lifetime ISA in April 2017. This is a new measure aimed at helping...
Are you aware of the changes to tax relief on pensions for high earners for 2016/17? If you are a higher earner, pension contributions can be a very tax-efficient way of saving for your future. However, changes are due to come into force from 6 April 2016 which will...
Changes to the taxation of saving income There are significant changes to the income tax rules from 6 April 2016 which affect the taxation of savings income. From 6 April 2016, if you are a basic taxpayer you may be able to receive up to £1,000 in savings income tax...
HLB member discuss key topics in the Netherlands A group of personal wealth advisors from within the HLB International network met for a meeting in Tilburg, the Netherlands, on 20 and 21 November 2015. There were representatives present from the USA, the Netherlands,...
Long Term Care Funding We are all aware that people are now living longer. The main factors said to be affecting this are mortality, fertility, health provisions and lifestyles. Whilst most people wish to live a long and healthy life, unfortunately that is not always...
Introduction to tax rates We have summarised the key rates and allowances which are fundamental to our business and personal lives. We are sure that you will find them a useful point of reference and have set out below a few examples of how they can be used. ...
What do you need to know about inheritance tax? Inheritance tax is a tax on the estate of someone who has died, and with property prices continuing to rise along with the recent introduction of the residence nil rate band (RNRB), the number of people that will become...